sMooV
ActiveThe computed 12-month bankruptcy probability of sMooV is 2.5% (moderate). The 2025 annual accounts show equity of €10k and a net result of €-8k. Its solvency ranks better than 27% of 18040 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▼-57
Solvency32▼-13
Growth32
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.75 against 0.71 in 2024; short-term debt: 81.6% and cash: 26.7% of total assets), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.4%
Return on assets
-6.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 45.4%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€137k▲ 48.3%
2024 · €92k
2024: €92k
2024 → 2025
Net result
€-8k
2024 · €8k
2024: €8k
2024 → 2025
Working capital
€-28k▼ 31.7%
2024 · €-22k
2024: €-22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€18k-€10k▼ 45.4%
Operating result€13k-€-9k
Net result€8k-€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€54k▲ 33.8%
Current assets
€83k▲ 59.3%
Equity and liabilities €137k
Equity
€10k▼ 45.4%
Debt
€127k▲ 71.7%
The debt ratio rises from 80.0% to 92.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€707▼
2024 · €22k
Cash flow
€1k▼
2024 · €18k
Solvency
7.4%▼
2024 · 20.0%
Current ratio
0.75▲
2024 · 0.71
Quick ratio
0.37▼
2024 · 0.56
Debt / equity
12.55▲
2024 · 3.99
ROE
-83.0%▼
2024 · 45.8%
ROA
-6.1%▼
2024 · 9.2%
Interest coverage
1.40▼
2024 · 58.79
Debt
€127k▲
2024 · €74k
Debt ≤ 1 year
€111k▲
2024 · €74k
Debt > 1 year
€15k
Income taxes
€-1k▼
2024 · €4k
Staff costs
€23k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€92k€137k▲
Fixed assets21/28€40k€54k▲
Intangible fixed assets21€4k€4k▼
Tangible fixed assets22/27€36k€50k▲
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€23k€41k▲
Current assets29/58€52k€83k▲
Stocks and contracts in progress3€11k€42k▲
Stocks30/36€11k€42k▲
Amounts receivable within one year40/41€23k€5k▼
Trade receivables40€21k€5k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€19k€36k▲
Equity and liabilities
Total equity and liabilities10/49€92k€137k▲
Equity10/15€18k€10k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€8k€80▼
Amounts payable17/49€74k€127k▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€74k€111k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€34k€26k▼
Suppliers440/4€34k€26k▼
Taxes, remuneration and social security45€5k€19k▲
Taxes450/3€4k€15k▲
Remuneration and social security454/9€900€4k▲
Other amounts payable47/48€35k€60k▲
Income statement
Code20242025
Remuneration, social security and pensions62€21k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€49k€36k▼
Operating profit (loss)9901€13k€-9k▼
Financial income75/76B€31€20▼
Recurring financial income75€31€20▼
Financial charges65/66B€374€507▲
Recurring financial charges65€374€507▲
Profit (loss) for the period before taxes9903€13k€-10k▼
Income taxes67/77€4k€-1k▼
Profit (loss) for the period9904€8k€-8k▼
Profit (loss) for the period to be appropriated9905€8k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€80▼
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Torhout · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Markt 148820 TorhoutGround area
1,198 m²
Building footprint
512 m²
Volume, LiDAR
6,532 m³
Parcel 31033K0431/00D000, Flanders · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
sMooV
since 20232.345.492.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31033K0431/00D000 | Flanders | 1,198 m² | 1 · 512 m² | 17.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTorhout2.345.492.860
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 3,459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
56101Full-service restaurants
56111Full-service restaurants
47252Retail sale of beverages, general range
47260Retail trade
47559Retail sale of other household articles
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.